Refinance
Loan coming due or resetting?
Many investment property loans written in 2019–2021 reset or mature in 2026 and 2027 at rates well above where they started. Send us the current loan terms and the rent roll. We'll tell you what the property refinances into today and what to do before the date arrives.
What we look at
- Current balance and rate
- Reset, maturity, and prepayment terms
- Rent roll and expenses
- What you plan to do with the property
Options we compare
- Bank or credit union term loan
- Fannie Mae or Freddie Mac for stabilized multifamily
- DSCR for 1–4 family rentals and small portfolios
- Private bridge when you need time
Recent refinances
Bethlehem and Allentown, PA · August 2026
Two renovated rentals, one bank loan
- The constraint
- Two rentals renovated on short-term money; the owner decided to hold both.
- The structure
- Bank/credit union term loan, fixed-rate, $365,000, both properties together.
- The result
- Short-term debt paid off; both rentals on one fixed loan.
Main Street, Northampton, PA · July 2026
Value-add refinance with cash out, 12 units
- The constraint
- Bought in 2024 for $2,300,000; rents up 15% and NOI up 14% since, still on the acquisition loan.
- The structure
- Bank/credit union fixed-rate, fully amortizing term loan, $1,800,000.
- The result
- Acquisition loan paid off and part of the owners' equity returned as cash.
Allentown and Catasauqua, PA · April 2026
Portfolio refinance leaves six properties free and clear
- The constraint
- Thirteen years of one-at-a-time acquisitions left every property mortgaged and no asset free to serve as collateral for the next deal.
- The structure
- Direct DSCR lender, portfolio refinance of 5 properties (19 units) into one $1,853,250 loan, concentrating the debt on those assets.
- The result
- Six other properties paid off and owned free and clear, to be sold one at a time into larger multifamily via 1031 exchanges.
Send us the loan terms
Current terms, the rent roll, and the date. We reply within one business day.